Georgia Auto Insurance Quotes

Information about the best possible deals available for Georgia auto insurance is important for those looking to purchase auto insurance. Looking at collated information about free auto insurance quotes from several licensed auto insurance providers can help you make a well informed purchase. You also need to know about the auto insurance laws and regulations in Georgia. It is important to understand more about the minimum financial responsibility required to drive a vehicle on the roads of Georgia and also the penalties for not possessing the required auto insurance. Only with the appropriate information can you take the right call about what insurance coverage is apt for you.

Georgia Liability Coverage Requirements

Georgia is one of the many states that require drivers to carry liability coverage for bodily injuries and property damage. This liability coverage must be maintained for all vehicles that are registered in Georgia. For bodily injuries for one person in one accident, the minimum coverage required is $25,000. For all bodily injuries in one accident, the minimum coverage required is $50,000. The property damage liability minimum is $25,000. Georgia does not require personal injury protection or uninsured motorist coverage.

Georgia Tort System

Some states are considered no-fault states. This means that your insurance company would be required to pay your expenses regardless of who was at fault in your accident. Georgia does not operate under the no-fault system. Instead, Georgia uses the tort system for determining who is responsible for paying expenses that are incurred as a result of an auto accident. The driver who is determined to be at fault must pay the expenses of other drivers and passengers involved in the accident. You can also sue the driver who is at fault for things like pain and suffering and lost wages from missed work due to your injuries.

Maintaining Legal Auto Insurance Coverage

In Georgia, you must provide proof of insurance to a law enforcement officer if it is requested at a traffic stop. Insurance companies doing business in Georgia must also comply with electronic reporting requirements. Within 30 days of covering a new vehicle, renewing a policy, or canceling a policy, an insurance company must report the change to the Department of Driver Services in Georgia. If cancellation or non-renewal of a policy is reported, you will have to provide proof of insurance through another carrier in order to remain in compliance with Georgia's auto insurance laws.

If you do not maintain the proper amounts of liability coverage on your vehicle, the vehicle registration will be suspended and no further registrations will be made until you provide proper proof of insurance. You may have to pay a reinstatement fee in order to lift your registration suspension and re-register your vehicle.

Lowering the cost of auto insurance in Georgia

Georgia is amongst the most expensive states in the country as far as the cost of auto insurance is concerned. The cost of auto insurance in Georgia being quite high, it is imperative that car owners try to get as many discounts from the insurance provider as possible. Although it would be tempting to not purchase any kind of auto insurance apart from liability insurance, it would be a mistake that could backfire without a warning. Owning good auto insurance coverage is always important, considering long term benefit. For example, if you have collision auto insurance or personal injury protection, you will not have to wait after the accident to determine whose fault it was. This is because the collision insurance will pay for the damages to your car in the accident irrespective of whether it was your fault or not. Similarly, the PIP coverage will provide for medical treatment for whoever was travelling in your car, irrespective of who was at fault. Possessing these insurance policies will keep you safe in terms of financial setbacks and help in avoiding anxiety in critical conditions like accidents.

Tips for lowering Georgia auto insurance

While you are driving in Georgia, you can lower the cost of your auto insurance. Getting navigation systems and side air bags for example, will make your car safer and thus lower the risk of expensive claims if an accident occurs. This will lower the cost of auto insurance. Similarly, if you have been involved in a minor accident in Georgia, and the cost is very low, it is better not to claim for it. The more claims you make, the riskier you would be considered by auto insurance providers. That in turn will increase your auto insurance costs, eventually.

Precautions while looking for cheap auto insurance

When you are looking for cheap auto insurance you would be trying to compare rates and calculate the premiums. However, in your quest for discounts, you might miss out on other finer details which are just as important as it is to get low costing auto insurance. Along with the premium rate that you are getting it is important to pay attention to the claims procedure that you have to follow when it is eventually time to make the insurance protection count. This is where the good insurance providers stand out. If the claims procedure isn't simple and straightforward, you need to look at the track record of the insurance providers. Some insurance providers might offer excellent discounts, but could be dismal when it is time to provide coverage. After all, getting the insurance coverage at the right time, when you are in need of it, is more important than getting discounts on your insurance premium. You also need to look for fine print as well as terms and conditions where the insurance protection is considered null and void. This will allow you to be more careful not only while choosing the insurance provider but also in sticking to the agreement.